You should also read Matt Flannery's response here: http://blogs.cgdev.org/open_book/2009/10/matt-flannery-kiva-ceo-and-co-founder-replies.php

I'm actually a Kiva Fellow at the institution mentioned in the article (in Cambodia). If YTMNDers want to make loans to entrepreneurs that I will be working with, I can bring any questions (within reason) you might have for these borrowers when I meet them. WITHIN REASON. :)

You can check out these loans here: http://www.kiva.org/lend?partner_id=61&status=fundRaising&sortBy=New+to+Old